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In his new “Three Points” commentary, Mat Ishbia, chairman and CEO of United Wholesale Mortgage, predicts that no matter who wins the White House on Tuesday, mortgage rates will be headed down. However, there was a qualifier, with the word “probably” thrown in for good measure…

Ishbia, who leads the nation’s largest origination shop, made another prediction — that Fannie Mae and Freddie Mac will continue to expand title insurance waivers, news that can’t possibly be good for the share prices of title insurance giants Fidelity National and First American…

No matter who wins the White House on Tuesday, there will be a new administration, which likely means new political appointees for the Department of Housing and Urban Development and other housing/mortgage-related agencies…

Meanwhile, former Ginnie Mae President Ted Tozer (the Obama administration) is pushing a zero-down payment option for FHA borrowers. In a new blog posting penned with Milken Institute Fellow Michael Stegman, Tozer quotes a study from the Survey of Consumer Finance that found “nearly 90% of renters” lack the minimum 3.5% of liquid assets needed for an FHA loan.

MORTGAGE PEOPLE: The Mortgage Bankers Association hired Astrid Vermeer as senior vice president and chief financial officer. She joins the trade group from the Perkins School for the Blind.

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IMF has been collecting mortgage industry data for 40 years. From this we publish thousands of pages of accurate, reliable industry market statistics each year. But there’s so much more that doesn’t normally make it out of our databases. If you need some market data that isn’t available in the data section of our website, or need additional information on one of the sets that is there, contact our custom-data authority, Gwen Jones, to tailor a data project to your needs.